Chuck Gibson

Experience

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  Suntrust Bank

  May 1998 - Jun 2003

  Underwrote Small Business Loans from $25,000 to $500,000. Pre-approved Business Lines of Credit and Business Credit Cards• After a yearly audit, my credit memos were set as an example for all of the underwriters in all three Operations centers to mirror which resulted in a reduction in errors and increased productivity in all three-operation centers.• Used spreading of the past two years tax returns, current interim statement, and projections for the upcoming year(s) to calculate aGDSC using a spreads package from Baker Hill.• Dealt with the music industry and underwrote loans based on assignment of contracts from BMI, ASCAP and SESAC for high net worthsingers and songwriters.• Assisted with the underwriting of SBA mortgage loans. Show less Supervised 70+ full-time and temporary staff in a high production loan data entry environment. The department was responsible for the data entry of over 2000 loan applications from over 1,400 branches and thousands of car dealerships• Increased the meeting of our goal from 10% to 100% while reducing our error rate.• Responsible for all functions within the department, including hiring, firing, writing 90-day and annual reviews, and making sure company policy was adhered to.• Was the project manager in charge of moving the department to a paperless image system and from a CRT computer system to a windows based system. It was a success and resulted in a tremendous monthly cost savings, and increased productivity.• Was asked to work with the other departments within Consumer Lending to help them develop production standards, error standards, and devise ways to efficiently track them using Excel. I devised a way to quickly track employee’s productivity and accuracy while giving them weekly feedback. This was a tremendous success since productivity and employee morale greatly improved Show less

  • Business Banking Underwriter

    Jun 2001 - Jun 2003

  • Operations Supervisor 3

    May 1998 - Jun 2001
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  No Red Tape Mortgage

  Jun 2003 - Jan 2007

  Responsible for programming, testing, training, and maintaining our automated underwriting engine for two companies (No Red TapeMortgage and Zero Down Mortgage) with over 300 employees and over 1000 brokers. Highlights include:• Received the MVP award for 2005 due to the success and profit the system brought the company• Managed all projects to ensure they were delivered accurately and timely.• Ensured that development understood what was needed and that the Business stakeholders understood the questions being asked.• Responsible for the programming of guidelines of the Commerce Velocity system that was purchased.• Was responsible for creating all training materials, training all staff, all management, and then maintaining the system.• Transcended technology language barriers during the initial development with the outsourced staff in India.• Introduced processes that reduced the daily system errors from over 100 per day to less than 2 per week.• Presented progress and status reports to executive committee. Analyzed issues producing comprehensive problem-solving reports.• Worked closely with the website developers to tweak the system workflow and screens which resulted in a user being able to input anapplication from 45 minutes to under 10 minutes.• Was responsible for all support calls from sales staff, operations staff, and brokers using the website Show less Underwrote Jumbo Home Loans from $417,000-$5,000,000. Created and maintained a conditions database, and was a major player in getting the company to go paperless in late 2003 which resulted in a significant monthly cost savings in paper, toner, reduction in staff,increased productivity and reduced record retention cost.• Received the top performer award for the 2004 calendar year and received the top underwriter award 5 times in 18 months.• Demonstrated proactive leadership as a Junior Underwriter and earned a reputation for outstanding performance; promoted to SeniorUnderwriter within only three months of being hired.• Trained, motivated, and mentored all new underwriters.• Created a conditions database that was then required by management to be used by all underwriting staff.• Trained all staff on how to work using a multiple monitor display. Show less

  • Wholesale MIS Administrator

    Jan 2003 - Jan 2007

  • Senior Underwriter

    Jun 2003 - Jan 2005
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  Metrocities Mortgage

  May 2007 - Jan 2010

  Senior Technology Implementation Manager

  Overall responsibility for development, integration, maintenance, and operation of the Underwriting workflow, screens and functionality.Includes website administration and account management. Customer base includes approximately 100 underwriters and several thousandloan officers. Highlights include:• Improved productivity month-over-month.• Manage the process of configuring and programming the system for all software changes with respect to Underwriting• Monitor quantity and quality of the software updates. Make final decisions on new content and features with respect to underwritingto be deployed in new versions.• Analyze daily error reports and resolve in a timely manner.• Delivered exceptional customer service while training all end users on the website. Remained point of contact for future underwritingsupport needs.• Managed a testing staff to ensure the system was performing accurately Show less

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  Prospect Mortgage, LLC

  Jan 2010 - Jun 2011

  Credit Risk Specialist

  Responsible for maintenance, account administration, project management and support of over 2000 employees across all businesslines. Coordinated client integration from Contour to Net Oxygen systemization. Highlights include:• Worked closely with department heads to manage changes, create the business requirement, act as liaison between developmentand business to ensure everyone is on the same page and ensure projects were delivered timely.• Maintained all underwriter profiles, signing authorities, and systems access.• Was responsible for the programming and maintenance of all underwriting conditions.• Managed development and customization of the LOS by requirement gathering, creating detailed specs and detailed test plan.• Constantly had to switch priorities as new regulations came out monthly with little or no warning. Excelled at risk management.• Managed the open tickets using the bug tracker system and a priority system to ensure the tickets were completed timely.• Responsible for verifying the spec was programmed accurately in the Development site and moved to the Test site.• Worked with QA to test in the Test system and then once moved to Production worked with UAT to obtain their sign off so that itcould be released to all end users.• Project manager for all systems changes impacting Underwriting. Responsible for all aspects of the change management life cycle.• Coordinated with Executives, Programmers, IT Staff and end users to verify the changes were made according to guideline andfederal regulation.• Optimized underwriting interface workflow which resulted in a six figure cost savings to the company.• Acted as lead technical advisor for the DU and LP systems.• Was 2nd Level support and often the most knowledgeable person of the system Show less

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  PennyMac Loan Services, LLC

  Nov 2011 - Aug 2017

  Business Analyst / Product Owner

  1. Managed a backlog of work and refined the tickets to get them ready for development and ultimately released into production.2. Introduced automated workflow, slashing loan processing time by several days per loan.3. Achieved Subject Matter Expertise in Correspondent Lending system within a 6-month timeframe.4. Facilitated change management requests by developing and implementing numerous templates for business users.5. Conducted training sessions for Business Analysts on various systems and contributed to creation and implementation of business requirements.6. Maintained user-profiles and access aimed at ensuring compliance with SOX regulations.7. Collaborated with international Vendors to ensure timely and accurate implementation of required changes.8. Supervised and coached two junior developers which subsequently became self-sufficient senior developers. Show less

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  SMCI

  Dec 2011 - Apr 2012

  Contractor

  Contracting as a Systems Analyst for PennyMac Corp.

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  JoCo

  Aug 2017 - Jan 2018

  Business Analyst

  Contractor for Bank of Oklahoma1. Formulated comprehensive requirements for system enhancements and overseeing bug tracking processes.2. Enhanced MortgageBot functionality by implementing process for entering Loan Officer information, leading to 10% improvement in overall operational efficiency.3. Leveraged comprehensive mortgage industry expertise gained from business-focused role to optimize requirements, significantly reducing both development and quality assurance timelines.4. Configured user profiles in Enterprise Manager and Net Oxygen systems.5. Conducted SIT Tests (QA) on code released from both the vendor and in-house development teams. Show less

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  City National Bank

  Feb 2018 - Feb 2020

  AVP Business Analyst III

  1. Managed maintenance, account administration, and user support functions to ensure smooth running of daily operations.2. Achieved streamlined user setups in Net Oxygen, resulting in significantly reduced maintenance time.3. Improved requirement writing processes, accelerating development, reducing errors, and ultimately decreasing project timelines and bugs.4. Identified recurring bug patterns, enabling the swift resolution of larger underlying issues, and closing previously unknown gaps in the system.5. Executed SQL queries against database for reporting and troubleshooting purposes. Show less

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  PENNYMAC

  Oct 2020 - Nov 2023

  Product Manager, Product Owner

  1. Received the highest possible annual review rating all three years.2. Realized 40% reduction in staff while achieving 200% increase in throughput by playing pivotal role in cost-cutting initiatives in 2023.3. Boasted company's best department by maintaining 100% achievement of sprint goals over past six months.4. Reduced both backlog bugs and newly reported bugs by over 70%5. Managed a 17-member cross-functional agile team comprised of Business Analysts, Senior Developers and Quality Assurance staff.6. Designed a web-based configuration system to allow a non-skilled user to make and maintain system edits resulting in a reduction in staff of two full time developers for a savings of approximately $170,000 per year.7. Optimized deployment efficiency by implementing Launch Darkly for feature flags, enabling an accelerated deployment rate with less risk allowing three departments to be merged into two resulting in a gain of over $400,000 per year.8. Directly responsibility for all aspects of team members, including performance evaluations and corrective actions while empowering them to reach their full potential.9. Spearheaded the launch of a Get Next Loan product aimed at improving workflow efficiency and enabling fewer employees to handle a higher volume of work which resulted in an efficiency gain of 40%.10. Orchestrated implementation of an internal reporting API to substantially reduce operational managers' time spent on day to-day tasks.11. Implemented the use of product roadmaps and meetings with stakeholders to ensure alignment with company goals and increased customer satisfaction by over 80%. Show less

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  New American Funding

  Apr 2024 - Oct 2024

  Sr. Product Owner

  • Designed and implemented a push system from the QA environment to Production for development to reduce development time and keying mistakes by 50%.• Designed a UI based history table so that end users could view development changes using a UI instead of through SQL queries and having to have database access which results in a significant time savings.• Helped design and implement a fee versioning system to ensure TRID compliance and compliance to company policy.• Managed a 22-member cross-functional agile team comprised of Senior Developers and Quality Assurance staff. Show less